kerala Gramin Bank Home Loan Interest Rates 2020 – Documents

Kerala Gramin Bank housing loans: get instant quotes on Interest rates, Eligibility, Documents, loan EMI and processing fees & charges.

Purpose for Loan:

  • For acquiring house site and constructing house thereon.
  • For construction of house on the land already owned by the party.
  • Purchase of ready built house.
  • For making extension/additions to the existing house.
  • For carrying out repairs/ to damaged house.

Home Loan applications received for rupees ₹ 419,027 crores till 23 October 2020

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120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

Kerala Gramin Bank Home Loan Interest Rates 2018

HOUSING LOAN GENERAL Irrespective of Amount 10.25%
PREMIUM HOUSING LOAN Irrespective of Amount 9.45% , a concession of 0.25% from the applicable rate may be provided for Housing Loan Premium (HLP) sanctioned to Government and PSU employees
RURAL HOUSING FUND LOAN Irrespective of Amount 9.62%
URBAN HOUSING FUND LOAN Irrespective of Amount 8.87%
Pradhan Mantri Awas Yojana(PMAY) Upto Rs. 20 Lakhs 9.45% , interest subsidy shall be admissible for the loan amount availed, subject to a cap of Rs 6 Lac

Eligibility Required for Kerala Gramin Bank Home Loans:

  • Individuals who are in gainful employment/profession/business are eligible.
  • Age of the applicant should be less than 60 years.

Quantum of Home Loan :

  • 75% of estimated cost of construction and cost of site.
  • Maximum loan limited to 72 months gross salary/ 6 times the average Annual income.

Security :

  • Equitable mortgage of plot and house to be constructed.
  • One Co-obligants having landed property / sufficient income from salary/other sources.

Repayment period:

  • Repayable in Equated Monthly Installment.
  • Repayment period up to 20 Years.
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